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This Burglary Insurance (Business Premises) policy
covers contents of business premises against the risk of loss or
damage by burglary and housebreaking only. Other related perils
like theft, larceny, robbery, dacoity do not come under the
purview of the insurance cover. The property insured is covered
only if loss or damage takes place while contained in the insured
premises and not in any other premises.

Loss of or damage to Deeds, Bonds, Bills of Exchange, Promissory
Notes, Cash, Treasury Notes and Bank Notes, Cheques, Securities
for money stamps, stamp collections, books of account, documents
of any kind, manuscripts, medals and coins, motor vehicles, and
live stock cannot be claimed under the office burglary insurance
policy.

Damage to property by burglars is covered only when the insured is
required to be made good. In other words damage to own premises is
not covered. With regard to cash in locked safe, the key to the
safe or strong room should not be left in the premises overnight
or at least anywhere near the safe.

Applicants need to submit the proposal form furnishing detailed
information on the location of the risk and claims history. Often
inspection of the premises and its neighborhood is carried out by
agents or brokers or marketing officers of the insurance company.
Premises located in isolated areas or the adjoining premises are
such which are not occupied in the night (like educational
institution or a place of worship) usually do not find favour with
the insurers.

In order to substantiate a burglary insurance claim, one must
produce the FIR and non-detection report from the police. The
insurers will depute and obtain a survey report even on the stolen
goods to determine the proximate cause of the loss and the quantum
as also verification of stock books and other accounts.